Jonah Bank of Wyoming: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.09 percentage points between Q1 2026 and Q2 2026, to 4.92%. Within Wyoming, Jonah Bank of Wyoming is 4th of 24 on net interest margin, 4.92% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Jonah Bank of Wyoming sits 0.97 points higher, at 4.92% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 7.04% |
| Yield on securities | 2.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 1.68% |
| Cost of interest-bearing liabilities | 1.68% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.92% |
| Yield to cost spread | 4.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.18% | 1.29% | 3.98% | 5.87% | 2.84% |
| Q4 2023 | 5.38% | 1.38% | 4.11% | 6.08% | 2.79% |
| Q1 2024 | 5.39% | 1.38% | 4.08% | 6.13% | 2.81% |
| Q2 2024 | 5.60% | 1.38% | 4.29% | 6.38% | 2.78% |
| Q3 2024 | 5.82% | 1.40% | 4.50% | 6.66% | 2.74% |
| Q4 2024 | 5.76% | 1.38% | 4.45% | 6.68% | 2.75% |
| Q1 2025 | 5.68% | 1.27% | 4.48% | 6.64% | 2.92% |
| Q2 2025 | 5.97% | 1.26% | 4.78% | 6.98% | 2.95% |
| Q3 2025 | 5.93% | 1.30% | 4.70% | 6.95% | 2.93% |
| Q4 2025 | 6.03% | 1.29% | 4.83% | 7.22% | 2.93% |
| Q1 2026 | 5.94% | 1.17% | 4.83% | 7.01% | 2.90% |
| Q2 2026 | 6.02% | 1.17% | 4.92% | 7.04% | 2.92% |
Jonah Bank of Wyoming yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Jonah Bank of Wyoming, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Jonah Bank of Wyoming profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58396) · FFIEC NIC profile (RSSD 3412417)